Updated: Apr 22, 2024

nbkc bank Everything Account 2024 Review

We review the nbkc bank Everything Account as an online checking option with low fees, interest, ATM refunds, and more.
Editor's Rating
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NBKC Bank's Everything Account combines features of checking and savings accounts in one place. You can spend and pay bills, plus earn a competitive rate as you fund your savings goals. 

Our Verdict

The Everything Account is designed to make money management easier. You get all the features you'd expect in a checking account and you can easily transfer money in and out of savings. There are no monthly maintenance fees, overdraft fees or minimum balance fees. 

You might consider opening this checking account if you:

  • Want a simple way to combine checking and savings
  • Prefer a checking account with no monthly fee
  • Use ATMs to withdraw cash
  • Are comfortable with online and mobile banking

There's no minimum deposit required to open an Everything Account.

nbkc bank Everything Account Pros & Cons

  • No monthly fees, no overdraft fees and no minimum balance fees or requirements
  • Manage all of your money in one place, while earning interest on savings
  • Up to $12 per month in ATM fee reimbursements
  • FDIC-insured up to the applicable limits
  • APY not as high as most high-yield savings accounts
  • No branch banking
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Compared to Other Checking Accounts

SoFi Checking and Savings

SoFi Checking and Savings makes staying on top of your finances convenient. You get features of checking and savings, including debit card access and an outstanding APY on balances. There's no monthly fee and you can earn up to 15% cash back on eligible purchases. 

Read our full editorial review of SoFi Checking and Savings.

LendingClub Rewards Checking

LendingClub's Rewards Checking account pays unlimited 1% cash back on eligible debit card purchases, with no monthly fee. You'll need to meet a direct deposit requirement to earn cash back. If you'd also like to earn interest you can open a high-yield savings account with LendingClub and link it to your checking account. 

Read our full editorial review of LendingClub Rewards Checking.

Current Account

Current is a mobile banking app that makes it easy to build credit while you spend. There are no monthly fees or annual fees, and no credit check to apply. Current pays an impressive APY on savings balances and you can use round-ups to grow savings automatically. 

Read our full editorial review of Current.

Experian Smart Money Checking

Experian Smart Money is a digital checking account that's designed to help you build credit. There are no monthly fees or minimum balance requirements and you can get a $50 bonus when you enroll in direct deposit. You'll also have access to more than 37,000 fee-free ATMs worldwide. 

Read our full editorial review of Experian Smart Money Checking.

Interest and Rewards

The Everything Account earns interest on savings balances. The APY is well above what you'll get at most traditional banks, but below what many online banks offer. 

This account doesn't earn rewards either. You won't get cash back or points on debit card purchases. 

Whether those things are important to you depends on your goals. If you're hoping to get the highest savings rate or earn back a percentage of what you spend, then you may need to consider a different bank. 

On the other hand, if you're looking for convenience with minimal fees then NBKC delivers. 


Banks make money from the fees they charge but they can be a nuisance for customers. It's a good idea to review the fee schedule for any checking account you plan to open so you'll know what you might pay. 

Here's how the fees for the Everything Account compare.

Other Service Fees - nbkc bank Everything Account

Type Fee
Monthly Maintenance Fee $0
Minimum Balance Fee $0
Overdraft Fee $0
Inactivity Fee $0
Stop Payment Fee $0
Returned Item Fee $0
Insufficient Funds Fee $0
Dormant Account Fee $0
Foreign Transaction Fee 1%
Domestic Wire Transfers $5 to send; $0 to receive
International Wire Transfers $45 to send; $45 to receive

NBKC does not charge a fee for ATM withdrawals at its own ATMs. You won't pay a fee when you use ATMs in the MoneyPass network either. 

If you're charged a foreign ATM surcharge, NBKC will reimburse you. You can get up to $12 in foreign ATM fee refunds per month. 

Branch and ATM Access

NBKC has branches in Kansas City, but you don't need to live near one to open an account. 

If you need to visit an ATM, you can use more than 37,000 MoneyPass ATMs fee-free. 

As mentioned, NBKC does reimburse some foreign ATM fees though not all. You'll get up to $12 in ATM fee rebates per month. 

If you regularly hit the ATM, you may want to look for a bank that offers unlimited fee refunds. There are a handful of banks that reimburse all ATM surcharges, giving you more options to choose from when you need to withdraw cash. 

Account Access

NBKC offers online and mobile banking access, as well as ATM access. 

Some of the things you can do with online and mobile banking include:

  • Reviewing transaction history
  • Checking statements
  • Setting up savings goals
  • Paying bills
  • Transferring funds between accounts

NBKC doesn't offer Zelle but you can still link your debit card to the Zelle app to send funds to friends and family. 

You can withdraw up to $1,010 in cash from your account daily. You can spend up to $2,500 per day with your debit card. 

If you need to transfer money to external bank accounts the daily and monthly limits are $500 and $2,000 for the first 90 days. After that, limits can increase to $1,000 daily and $10,000 monthly. 

NBKC may limit mobile check deposits, including how much you can deposit and the types of checks accepted. However, those details are not spelled out in the customer account agreement. 

If you plan to use mobile deposit you may want to contact NBKC customer service to ask about possible restrictions. 

FDIC Insurance

You might not think about FDIC insurance when opening a bank account, but it's important to have.

Why? Because FDIC insurance protects your deposits if your bank fails. 

The current coverage limit is $250,000 per depositor, per account ownership type, per bank. NBKC is a member-FDIC financial institution so your deposits are safe, up to the limit. 

What You Need to Open

You can open an NBKC Bank Everything Account online and it takes just a few minutes. 

Here's what you'll need:

  • Valid, government-issued ID
  • Address, email and phone number
  • Social Security number
  • Date of birth

You'll also need bank account details to link an external account for your first deposit. That includes your bank account number and bank routing number. 

Again, there's no minimum deposit to open an account. So you can deposit $1, $1,000 or $10,000--whatever fits your budget. 

Frequently Asked Questions

Is NBKC Bank legitimate? 

NBKC is a legitimate, FDIC-insured bank that was founded in 1999. The bank is based in Kansas City but offers banking products and services online, including checking accounts and savings accounts. 

Does NBKC have a savings account? 

The Everything Account includes a savings component but you can also open stand-alone savings accounts at NBKC. Before opening a savings account, be sure to check the rates and fees so you know what you're getting. 

Can you deposit cash with NBKC? 

You can deposit cash and checks at NBKC ATM locations. You can also make deposits at MoneyPass ATMs, though those transactions may take a little longer to process and credit to your account.